投壇前段時間討論退休需要多少米，看看老美有多窮

這裏大概有95%以上在top 5%吧？

 

Only 54.3% of U.S. households have any retirement accounts at all, including 401(K)s, IRAs, and similar plans. Nearly half are working toward retirement without dedicated savings.

Just 4.6% of households have more than $1 million saved in retirement accounts. That alone puts a seven-figure nest egg in roughly the top 5%.

Now stack that against the typical retiree. For ages 65–74, the median retirement account balance is about $200,000. Half of retirees have less than that.

Even when looking at total net worth, including home equity and other assets, the median for people in their late 60s hovers around $410,000 to $500,000. The top 5% doesn't show up until around $3 million or more.